PallayInsurance Home

Contact Us

Pallay Insurance Agency
P.O. Box 727
Mokena, IL 60448


Truckers Occupational Accident Insurance


What is Occupational Accident Insurance?   It’s a product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, Occ/Acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by Workers Compensation or Occ/Acc at the leased operators expense. For those who qualify, Occ/Acc is generally a lower cost alternative.


ELIGIBILTY: Our program is available to Owner/Operators and Contract Drivers of Owner/Operators ages 18 and older who are 1099's (W-2's are NOT eligible) and who are NOT driving motor carrier owned equipment (Eligible drivers must be operating their own power unit, a power unit they are leasing to own, or a power unit of another Owner/Operator). The cost of the insurance is the sole obligation and responsibility of the independent driver to be insured.

EXCLUDED GROUPS: Coverage not available to drivers hauling or involved in following operations: Hazardous material haulers; livestock haulers; PEO’s, driver leasing or temporary services; moving and storage operations, logging and lumbering operations; home delivery operations; mobile home haulers; garbage haulers, oilfield equipment haulers; couriers of any kind.

APPROVED STATES: Coverage is available to independent contractor drivers residing in the following states: AL, AZ, AR, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MI, MN, MS, MO, NE, NM, ND, OH, OK, PA, SC, TN, TX, UT, VA, WV, WI, WY

Click Here to View and Print Plan Options, Rates and Application Form

Click Here for Online Credit Card Payment

Contingent Liability coverage available for motor carriers with 10 or more Owner/Operators leased on to them and covered under an Occupational Accident insurance plan from our carrier. Contact our office for more information.